Mortgage Solutions
Financing Your Investment: Tailored Mortgage Options to Fit Your Strategy
Don’t let traditional lending hold you back. Whether you’re an entrepreneur, investor, or facing credit challenges, we have flexible mortgages designed to fit your specific situation. Our experts work on your timeline, guiding you every step of the way. Let’s find the perfect Mbanc mortgage solution to turn your property goals into reality.
- Self-employed Mortgage Programs
- DSCR Rental Investment Property Mortgages
- Closed End Second Mortgage Options up to 80% CLTV
- Unlimited Cash-Out Refinance up to $3.0 Million
- 10 - Year Fixed Interest Only Options on 30 & 40 Year Terms
- Foreign National & ITIN programs
- Trusted concierge service
🔍 Why This Matters
If you’ve ever applied for a mortgage through a traditional bank, you know the drill:
- Endless paperwork
- Constant back-and-forth
- Underwriters who don’t understand your business
- Delays that cost you deals
Mbanc does things differently.
We’re not a traditional lender — we’re a Non-QM mortgage partner built for people who make money, have money, and need a smarter way to finance real estate.
We’ve streamlined the process to give you clarity, confidence, and results — without the hassle.
The Mbanc Mortgage Process for Non-QM Borrowers
🥇 Step 1: Strategic Consultation & Pre-Qualification
It all starts with a real conversation.
You’ll speak directly with an experienced Mbanc advisor who understands:
- Self-employment income
- 1099 cash flow
- Real estate investment strategies
- Asset-based wealth structures
We’ll review:
- Your purchase goals (primary home, second home, or investment)
- Your financial strengths (bank statements, 1099s, asset accounts, rental income)
- Your timeline and ideal loan structure
📌 No tax returns or W2s required.
📌 No long questionnaires or generic forms.
Just fast, personalized clarity.
⚡ Step 2: Get Pre-Approved with Agility Advantage™
Mbanc’s Agility Advantage™ program gives you more than a casual pre-qual — it delivers a full-credit, lender-backed pre-approval tailored to your Non-QM profile.
With this, you can:
- Shop with confidence
- Compete with cash buyers
- Submit stronger offers
- Know your real purchasing power from day one
💡 Most pre-approvals are issued within 24–48 hours.
🧾 Step 3: Select Your Non-QM Loan Program
You’re not a template borrower — so we don’t offer template loans.
We design the loan around your financial reality and investment strategy. Options include:
🔹 Bank Statement Loans
Use 12–24 months of business or personal deposits to qualify — perfect for entrepreneurs and LLC owners.
🔹 1099-Only Loans
Qualify using your 1099s — no need for full tax returns.
🔹 Asset-Based Loans
Use liquid assets, investment accounts, or retirement funds to qualify with zero income documentation.
🔹 DSCR Loans
Investors qualify based on the income the property generates, not their personal income.
🔹 Interest-Only & Jumbo Products
Maintain liquidity and manage cash flow while financing luxury and high-value homes.
Your Mbanc advisor will walk you through each and customize a solution aligned with your goals.
🏘 Step 4: Submit Offer & Go Under Contract
Once pre-approved, you’ll work with your agent to:
- Submit offers
- Lock in pricing
- Secure your property
Meanwhile, we begin the mortgage process immediately — no delays, no waiting for underwriters to “review later.”
🧠 Step 5: Streamlined Underwriting & Document Collection
This is where traditional banks make it painful — and where Mbanc shines.
You’ll provide:
- ✔ 12–24 months of bank statements, 1099s, or asset statements
- ✔ Business documents or CPA letter (if needed)
- ✔ Identification and property contract
- ✔ Property documentation (if applicable)
We underwrite based on logic, not bureaucracy.
Your file is reviewed by experts who specialize in complex income, investment holdings, and self-made wealth.
🧾 Step 6: Appraisal & Approval
We order the appraisal and finalize any final verifications.
Because we’ve done the work up front, there are no surprises.
Your Mbanc team stays in close contact with your agent, escrow officer, and title company to keep everything on track.
🏁 Step 7: Closing Day
Once your file is clear-to-close:
- Your loan documents are prepared
- You sign — in-person or remotely
- Funds are wired
- Keys are in your hand
🎯 Most Mbanc loans close in 21–30 days — often faster for high-priority clients.
MBANC is a top-rated mortgage lender
Mortgage programs made for you
Bank Statement Loan
For entrepreneurs and self-employed individuals who want to skip the traditional paperwork, our Bank Statement Loan allows you to qualify using 12 to 24 months of your business and personal bank deposits. No need for W-2s, tax returns, or pay stubs.
1099 Mortgage Loan
If you’re a freelancer or independent contractor, our 1099 Mortgage Loan is designed for you. Qualify with 90% of your 1099 gross income, without the need for W-2s, tax returns, or pay stubs.
DSCR Mortgage
Real estate investors, grow your portfolio with our DSCR Mortgage. Qualify using the actual or projected rental income of your property. We can also provide insider tips to help you maximize your rental cash flow.
Asset Based Mortgage
High-net-worth individuals, leverage your assets to qualify for a mortgage. Use cash, semi-liquid, or liquid assets – no income or job needed.
Foreign National Mortgage
International investors, we’ve simplified the process for you. Our Foreign National Mortgage has easy-to-understand criteria, with no US credit, Social Security number, or income required. Qualify with rental income too.
Closed-End Second Mortgage
Tap into your home’s equity with our Closed-End Second Mortgage. Access up to $500,000, keep your current interest rate, and skip the W-2s, tax returns, and pay stubs.
Interest Only Jumbo Mortgage Feature
Maximize your financial flexibility with our interest-only jumbo mortgage feature. Pay only the interest on your loan for a specified period, resulting in significantly lower monthly payments. Enjoy the stability of a locked-in, fixed interest rate for the life of the loan, with no unexpected balloon payment at the end.
The Mbanc Agility Advantage™ Pre-Approval Program
As a top-rated mortgage lender since 2005, our pre-approval process is designed for self-employed individuals to compete with all-cash property buyers.
1
Streamlined Mortgage Application
Applying for a mortgage will be different with Mbanc. You will have an understanding knowledgeable loan agent to discuss your mortgage needs using your real income – free from W-2s and tax returns. All our conversations are privacy-protected.Applying for a mortgage will be different with mbanc. You will have an understanding knowledgeable loan agent to discuss your mortgage needs using your real income – free from W-2s and tax returns. All our conversations are privacy-protected.
2
Break Ground with Non-QM Brilliance
You will know upfront exactly what paperwork to share with us so you don’t waste precious time. Our pre-approval can include underwriting a No-Loan Contingency Mortgage to compete with cash buyers to make a sound offer on the property. Once we have your documents, we will process the information swiftly.
3
Agility Advantage Preapproval
Mbanc is completely transparent regarding the terms of your loan. We will answer all your questions about the mortgage and organize the property appraisal to close the transaction. That’s it! (At least until the next time you need a mortgage).
Proof that our clients get the loan amount they need - ahead of schedule.
With two decades of experience, we deliver your loan on time, every time.
Mbanc made financing my STR business a breeze. Fast, professional, and reliable – they took care of everything! If you’re an investor, you need to work with them.
John H.
Incredible! Mbanc got my cash-out refinance done in just 17 days. They deliver quick results and tailor solutions to your needs. Highly recommend!
Ricky T.
This was the best loan experience I’ve had. Jason and the Mbanc team are exceptional! They closed my loan in Hawaii two weeks ahead of schedule – amazing service and results.
Clint C.
MBANC’s
97% Pull-Through Rate: Confidence You Can Count On
What does a 97% pull-through rate mean for you? It means when we say you’re pre-approved, we truly mean it. Our pre-approvals aren’t just empty promises based on automated forms; they’re backed by thorough, expert evaluations of your information.
We respect your time, your realtor’s efforts, and the importance of your property deal. With Mbanc, you can confidently move forward knowing that our pre-approved borrowers successfully reach full underwriting approval.
Ready to experience the difference? Apply today and let Mbanc show you what true commitment looks like.
Try Our 2-Minute QuickQual
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